Yes, you can open a checking account entirely online with most banks
Many banks now let you open a checking account from your computer or phone without stepping into a branch. You'll need a valid government ID, a Social Security number or tax ID, proof of your current address, and an initial deposit (which can be as small as $0 at some banks, or $25 to $100 at others). The whole process usually takes 10 to 20 minutes, and you can start using your account the same day or within one business day.
Not every bank offers remote account opening, and the process varies slightly between them. Some banks that have built their entire business around online banking—like Ally, Charles Schwab, and Marcus—make remote opening straightforward. Traditional banks with physical branches, like Wells Fargo, Chase, and Bank of America, also offer it, though they may have additional steps or requirements. Credit unions are less consistent; some allow it, others require you to visit a branch or have an existing member sponsor you.
Key Takeaways
- You will need a valid government ID, Social Security number, proof of address, and sometimes an initial deposit to open an account online.
- The process takes 10 to 20 minutes and you can usually use your account the same day or within one business day.
- Banks that operate only online tend to have simpler remote opening processes than banks with physical branches.
- Some credit unions do not allow remote account opening and require you to visit in person or have a current member invite you.
- You will receive a debit card by mail within 7 to 10 business days, though you can use your account online when ready.
What documents and information you need to have ready
Before you start, gather your government-issued ID—a driver's license, state ID card, or passport. The bank will ask you to photograph it or upload an image. You'll also need your Social Security number (or Individual Taxpayer Identification Number if you don't have one), which the bank uses to verify your identity and check your banking history.
You'll need proof of your current address. A recent utility bill, lease agreement, or government mail with your name and address works. Some banks accept a phone bill; others don't. If you've moved recently and don't have a document yet, ask the bank what they accept—some will take a signed lease or a letter from your landlord.
Finally, have your initial deposit amount ready. This might be $0 (at some online-only banks), $25, or $100, depending on the bank. You'll transfer this from another bank account you already have, usually by providing your routing and account number from that bank.
How the identity verification process works online
When you start the process, the bank will ask you to photograph your ID using your phone or computer camera. The image needs to be clear enough to read—take it in good lighting and make sure all four corners are visible. Some banks use automated software to read the ID; others have a person review it. This step usually takes a few minutes.
Next, the bank will ask you personal questions that only you should know—your previous addresses, the names of accounts you've held, or details from your credit history. These questions come from a database the bank checks against your Social Security number. Answer them honestly; if you get more than one or two wrong, the bank may ask you to verify your identity in person at a branch or by video call with a representative.
A few banks now offer video verification, where you speak with a real person who watches you hold up your ID and answer questions. This takes longer (10 to 15 minutes) but can be faster than waiting for document review if the automated system flags your process.
Banks that make remote opening easiest
Online-only banks like Ally, Charles Schwab, Marcus, and Discover have built their entire system around remote customers. Their websites walk you through each step clearly, they don't require a minimum deposit (or require a very small one), and they usually approve you within minutes. You can use your account online when ready, though your debit card arrives by mail.
Large traditional banks like Chase, Bank of America, Wells Fargo, and Citibank offer remote opening, but the process can be slower. They may require a higher minimum deposit ($25 to $100), and some ask you to verify your identity by visiting a branch within 30 days or by uploading additional documents. Read the fine print before you start—some require you to have an existing account with them or a credit card in good standing.
Community banks and credit unions vary widely. Some have invested in online systems and let you open remotely; others require you to visit in person or have a current member sponsor you. Call or check their website before you try to open an account online. If they don't offer it, you'll need to schedule a branch visit or ask if they have a workaround.
What happens after you submit your process
Once you finish the online form, the bank will tell you whether you're approved when ready or whether they need to review your process. If approved right away, you'll receive your account number and routing number within minutes. You can set up direct deposit, transfer money from another account, or receive a temporary debit card number to use online when ready.
Your physical debit card will arrive by mail within 7 to 10 business days. Until it arrives, you can use your account online and over the phone. Some banks let you add your account to a digital wallet (Apple Pay, Google Pay) so you can pay with your phone at stores.
If the bank needs to review your process, they'll email you within 24 hours asking for more information—usually a clearer photo of your ID, proof of address, or answers to additional identity questions. Respond as quickly as you can; delays here can push approval back by several days.
When remote opening might not work for you
If you don't have a government-issued ID, remote opening will be difficult or impossible. Some banks have workarounds—they may accept a passport card, a tribal ID, or a military ID—but you'll need to call and ask. If you have no ID at all, you'll likely need to visit a branch in person with someone who can vouch for you, or bring multiple documents like a birth certificate and Social Security card.
If you're under 18, most banks won't let you open an account alone. You'll need a parent or guardian to open a joint account with you, usually in person. A few banks offer teen accounts that can be opened online with parental consent, but these are less common.
If you've had banking problems in the past—unpaid overdrafts, fraud, or accounts closed by the bank—some banks will reject your process automatically. Others will ask you to explain what happened. If you're turned down, try a different bank or a credit union, which sometimes have more flexible policies for people rebuilding their banking history.
Frequently Asked Questions
Can I use a passport instead of a driver's license?
Yes, most banks accept a valid passport as government ID. Some also accept a passport card, military ID, or state ID card. Check the bank's website or call before you start the process to confirm what they accept.
What if I don't have a current address to prove?
If you've just moved and don't have a utility bill yet, try a lease agreement, a signed rental agreement from your landlord, or government mail sent to your new address. Some banks accept a phone bill or bank statement. Call the bank and ask what documents they'll take before you explore.
Can I open an account if I'm not a U.S. citizen?
Yes, but you'll need an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. Not all banks accept ITINs, so call ahead. Some credit unions and community banks are more flexible than large national banks.
How long does it take to get my debit card?
Your physical debit card usually arrives within 7 to 10 business days. You can use your account online and over the phone when ready, and some banks let you add your account to Apple Pay or Google Pay while you wait for the card.
What if the bank rejects my process?
Banks reject applications for reasons like identity verification problems, a history of unpaid overdrafts, or fraud flags. Ask the bank why you were rejected—they're required to tell you. If one bank says no, try another bank or a credit union, which sometimes have different standards.